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TATA AIG Medicare Plus Policy

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What is the TATA AIG Medicare Plus Policy?

TATA AIG Medicare Plus policy is an excellent option for those seeking affordable and comprehensive healthcare coverage for themselves and their families. This top-up policy offers a wide range of benefits and ensures that you are taken care of even if your sum insured is exhausted. It is a great way to ensure peace of mind and financial security in the face of unexpected medical expenses.

The policy offers comprehensive coverage including in-patient hospitalization, second opinions, daycare procedures, pre and post-hospitalization costs, AYUSH benefits, ambulance coverage, organ donation expenses, global cover and more.

Introducing TATA AIG Medicare Plus - a reliable health insurance top-up plan that compliments your basic health coverage at an affordable cost. This plan is specifically designed to meet your healthcare needs and provide comprehensive protection for you and your family. With TATA AIG’s trusted legacy, you can be confident that your health and well-being will be prioritized without any compromise.

TATA AIG Medicare Plus Policy Specifications

Specification

Details

Product Name

Tata AIG MediCare Plus

Type

Health Insurance Top-Up Plan

Coverage

Extra coverage beyond basic health insurance

Policy Tenure Options

1, 2, or 3 years

Entry Age

  • Minimum: 18 years;
  • Maximum: 65 years.
  • Dependent children (91 days to 5 years) can be insured if both parents are insured.

Sum Insured

Up to ₹50 lakhs and above

Members Covered

Self, Spouse, up to 3 dependent children, and up to 2 dependent parents (total of 7 members)

Pre-Hospitalization Coverage

Pre-hospital medical expenses within 60 days

Post-Hospitalization Coverage

Medical expenses within 90 days after being discharged

In-Patient Treatment

Covers hospitalization expenses for 24+ hours

Domiciliary TreatmentHome treatment reduces the need for hospitalization, saving on medical expenses
Consumables BenefitHospitalization covers medical treatment consumables
Ambulance CoverAmbulance services are covered for emergencies

Health Check-up

Preventive health check-up expenses covered up to 1% of last year’s sum insured, max 10,000 rupees, once in every 2 continuous claim-free years

Cumulative Bonus

50% bonus if no claims, up to 100% of the sum insured next year

Second Opinion

Coverage for specified serious illnesses during the policy period

Network Hospitals

8,000+ network hospitals for cashless claims

Claim Settlement Ratio

96.70% in FY23-24
Premium DiscountsDiscounts for family floater and long-term policies; 5% for two years and 10% for three years
Free Look Period15 days to cancel the policy and get the premium refunded (deducting expenses)
Customer Support24x7 helpline: 1800 266 7780 (Toll-Free) for general inquiries and claims assistance

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Coverage Benefits of TATA AIG Medicare Plus Policy

Here is a tabular representation of the coverage benefits offered by the TATA AIG Medicare Plus policy. 

Benefit CategoryDescription

In-Patient Treatment

Covers long hospital stays of over 24 hours

Pre-Hospitalization Expenses

Medical expenses covered up to 60 days before hospital admission

Post-Hospitalization Expenses

90-day coverage for medical expenses after hospital discharge

Day Care Procedures

Covers medical expenses for outpatient procedures in hospitals or daycare centres

Organ Donor Expenses

Covers medical costs of organ donation for transplantation

Domiciliary Treatment

Covers home treatment and related costs to avoid hospitalization

AYUSH Benefit

Covers medical expenses for treatments received at AYUSH hospitals, including pre and post-hospitalization expenses

Ambulance Cover

Pays for ambulance services in emergencies

Health Checkup

Covers preventive health check-ups up to 1% of the previous year’s sum insured, max 10,000 rupees, once every two claim-free years

Consumables Benefit

Hospitalization expenses are covered based on guidelines

In-Patient Dental Treatment

Covers dental treatments with anaesthesia due to accident or illness

Second OpinionSeek a second opinion for diagnosed specified illnesses
Cumulative Bonus50% cumulative bonus on the sum insured after each claim-free year, up to 100% of the sum insured
Global Cover (Optional)Covers medical expenses outside India up to the sum insured value, if illness is diagnosed in India and the insured travels abroad for treatment

TATA AIG Medicare Plus Policy Inclusions

  • In-Patient Treatment
  • Pre-Hospitalization
  • Post-Hospitalization
  • Day Care Procedures
  • Organ Donor Expenses
  • Domiciliary Treatment
  • In-patient Dental Treatment
  • AYUSH Benefit
  • Ambulance Cover
  • Health Check-up
  • Second Opinion
  • Consumables Benefit
  • Cumulative Bonus
  • Global Cover

TATA AIG Medicare Plus Policy Waiting Period

  • 30-day waiting period for illnesses (not for accidents or renewals)
  • 24-month waiting periods for 40 listed diseases/procedures (not applicable to accident-related claims)
  • Coverage for pre-existing diseases begins after 36 months

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TATA AIG Medicare Plus Policy Claim Process

TATA AIG Medicare Plus policyholders can choose between cashless claim service or reimbursement claim service to avail of the policy benefits. Here is an overview of both the processes.

Cashless Claim Process

Reimbursement Claim Process

  1. Notify the insurance officials 48 hours before planned hospitalization for treatment, consultation or procedure
  2. If you need emergency hospitalization or treatment, you must tell the insurer within 24 hours
  3. Provide the requested ID card and additional documents to the network hospital as required
  1. Notify the TPA within 7 days of treatment completion
  2. Submit claim documents to the TPA within 15 days of the incident
  3. Please send claim documents to TATA AIG General Insurance Company at Imperial Towers, Ameerpet, Hyderabad.

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TATA AIG Medicare Plus Health Insurance Contact Details

Customer Care Number - 1800 266 7780 (Toll-free), 1800 22 9966 (for senior citizens)
Customer Care WhatsApp Number - +91 9136160375
Customer Care Email - customersupport@tataaig.com
Customer Care Address

  • Mumbai: 508A-509, Kailas Plaza, Fifth Floor, V B Lane, Ghatkopar East, Mumbai – 400077
  • New Delhi: 22, Community Centre, Second Floor, New Friend's Colony, New Delhi - 110065
  • Bangalore: JP & Devi Arcade, 1st Floor, 14th Cross, 1st Phase, JP Nagar, Bangalore - 560078
     

To file a claim, you have the option to contact customer care by phone, email or by visiting a branch office. They will assist you with the necessary documents and guide you through the process.

For assistance with policies purchased through Investkraft.com, you can contact our customer care team at +91-9797971876 (toll-free) or care@investkraft.com.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium

Frequently Asked Questions (FAQs)

A.

Tata AIG Medicare Plus is an exceptional super top-up health insurance plan. It compliments your existing health insurance policy by offering added financial coverage if hospitalization expenses exceed the sum insured provided by your primary plan.

A.

This plan is designed for individuals with existing health insurance who want to safeguard themselves against increasing medical expenses. It provides financial protection in the event of significant hospitalization costs during a major medical emergency.

A.

The policy does not cover pre-existing conditions, self-inflicted injuries and some specific treatments. It is important to thoroughly read the policy wording to fully understand these exclusions. 

A.

The premium for Tata AIG MediCare Plus is calculated based on factors such as your age, selected sum insured, deductible option (if applicable) and policy term. You have the option to request a quote from TATA AIG directly or through an insurance broker.

A.

Yes, Tata AIG Medicare Plus does offer a deductible option. This means that you will need to pay a set amount towards your claim before the insurance company begins covering the expenses. The specific deductible amount will be detailed in your policy schedule.

A.

To file a claim with TATA IG, you will need to submit the necessary documents, including bills, discharge summaries and medical reports. The company usually offers both cashless and reimbursement claim options for your convenience. 

A.

No, Tata AIG Medicare Plus does not usually include coverage for maternity expenses. To receive maternity benefits, individuals usually need to consider standalone health insurance plans.

A.

Yes, certain treatments or procedures can have sub-limits or caps imposed on them. To find out the specific details about these limitations, it is important to refer to the policy document.

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